Almost half of Americans don’t expect to have enough money to retire comfortably — but there’s some good news

Not surprising is how much money a retiree is bringing in greatly determines whether or not they’re comfortable, Gallup found.

More than half of those who have an income of $30,000 a year or less say they’re uncomfortable, compared with just 2 percent of retirees who make $75,000 or more.

To be sure, there are millions of Americans who are struggling in those golden years. One in five Americans in retirement report financial discomfort, Gallup found.

“That’s disturbing,” Newport said.

In addition, more older Americans are in debt. In 2016, the average debt in families in which the head of the household is age 75 or older was $36,757. That is up from $30,288 in 2010, according to the Employee Benefit Research Institute in Washington.